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Christensen Financial
678-373-9974
The fixed products as well as ARMs have all dropped Today. The yield has improved as well, especially the 30 year fixed. At 4.375 and a YSP
of -0.500 for the benchmark 30 year, only good things can happen. 4.25% is available with a discount of 0.625. Government money has improved across the board, with a solid 4.25% for the fixed 30 year product. Jumbo is continuing to improve, with nearly all products down slightly. Bias continues to be locking.
JUMBO
30 YEAR FIXED @5.45%
20 YEAR FIXED @5.05%
15 YEAR FIXED @4.85%
1/1 FIXED PERIOD ARM @2.65%
3/1 FIXED PERIOD ARM @3.10%
3/1 FIXED PERIOD ARM INTEREST ONLY @3.35%
5/1 FIXED PERIOD ARM @3.85%
5/1 FIXED PERIOD ARM INTEREST ONLY @4.15%
7/1 FIXED PERIOD ARM @4.60%
10/1 FIXED PERIOD ARM @5.15%
Portfolio ARM's
5/1 FIXED PERIOD ARM @ 3.875%
7/1 FIXED PERIOD ARM @ 4.125%
Rates displayed above are based on a well qualified customer with a Single Family Residence @70% LTV. Up to 90% LTV is available. Minimum credit score is 620 . Eligible properties are SFR, Vacation/Second Homes. Max debt ratios are 38 and 45%. Loans from $417,001.00 to 3Mil available. Use Custom quotes by calling us at 678-373-9974 for accurate State specific pricing
Conforming Pricing
(Fully Amortizing)
30 YEAR FIXED @4.375%
20 YEAR FIXED @4.375%
15 YEAR FIXED @4%
10 YEAR FIXED @3.75%
5/1 LIBOR FIXED PERIOD ARM @3.5%
7/1 LIBOR FIXED PERIOD ARM @3.5%
10/1 LIBOR FIXED PERIOD ARM @4%
Interest Only
30 Year FIXED @5.5%
3/1 FIXED PERIOD ARM @3.125%
5/1 LIBOR FIXED PERIOD ARM @3.5%
7/1 FIXED PERIOD ARM @3.75%
10/1 FIXED PERIOD ARM @4.125%
Conforming loan limits apply. LTVs > 90% Allowed by exception only in Stable Markets, for credit scores 740+, well documented. Eligible properties are SFR, second/vacation homes, 2-4 units. Multiple adjustments may apply. Use Custom quotes by calling us at 678-373-9974 for accurate State specific pricing.
FHA/VA
30 YEAR FIXED @4.25%
15 YEAR FIXED @4.25%
3/1 FIXED PERIOD TREASURY ARM @3.75%
5/1 FIXED PERIOD TREASURY ARM @3.25%
7/1 FIXED PERIOD TREASURY ARM @3.75%
First and second position HELOCS available up to 350K with starting rates @4%
Call for a custom quote
Cash out refinancing now available up to 85% LTV
Rates shown are base rates ONLY, no adjustments added, rate lock period will vary. Rates are subject to change without notice.
Yield spread premium" (YSP) is the money or rebate paid to a mortgage broker for giving a borrower a higher interest rate on a loan in exchange for lower up front costs, generally paid in Origination Fees, Broker Fees or Discount Points. This "may [be used to] wipe out or offset other loan costs.The YSP is derived through the realization of a market 'price' for a loan that is above 100%. For example, a $300,000 loan with a price when sold of 101.00% would 'yield' a 1% rebate to the originator, it's important to understand that the term 'originator' refers to either a retail bank or mortgage broker.
GOOD SELLING!!!
Sally Murray Lamperti
678-373-9974
Christensen Financial
Georgia Residential Licensee #21045
RATES SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION IS INTENDED FOR REAL ESTATE PROFESSIONAL USE ONLY AND IS NOT FOR DISTRIBUTION TO PROSPECTIVE BORROWERS. STATE AND FEDERALLY REQUIRED DISCLOSURES HAVE NOT BEEN INCLUDED. GA RESIDENTIAL MORTGAGE LICENSE # ___21045, NMLS ID # ___291600. 450 Musket Entry, Roswell, Georgia 30076.
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